2. Account balance over the years refers to the total account balance of previous years.
Calculation method:
1, account over the years = (the total amount of personal medical insurance contributions this year+the amount of unit contributions included in personal accounts-the pre-paid amount at the beginning of the year+the account balance at the end of the year-the deduction amount of the previous year+the adjusted amount of medical insurance this year+other insurance transfer amounts) ×( 1+ interest rate)
2. This year's account = next year's prepaid monthly account amount × 12+ part of individual account unit payment included in the standard+[this year's liquidation amount (if this year's liquidation amount is negative)]
Scope of use of current accounts and account funds over the years:
In addition to the amount, the scope of use of these two accounts is also different.
At that time, the money in the account can be used to pay for outpatient service, emergency treatment, pre-hospital first aid and drug purchase at designated retail pharmacies.
Over the years, the money in the account can be used to pay for out-of-pocket medical expenses for outpatient and emergency services (including pre-hospital first aid), as well as the remaining medical expenses paid by additional funds, medicines purchased by designated medical pharmacies, medical expenses below the floating standard line for hospitalization, out-of-pocket medical expenses above the deductible line, out-of-pocket medical expenses for serious illness and medical expenses for family beds.
It can be seen that the application scope of account amount over the years is wider. The part that needs personal burden and the part that cannot be reimbursed by medical insurance can be used. After all, I paid the money myself, but the scope of application of the account amount was much narrower.
However, in some areas, the money in the personal medical insurance account is directly transferred to the medical insurance passbook, which can be withdrawn at any time. There is no prepaid amount, but there is no requirement that it must be used for medical treatment and medicine, which is much more convenient to use.
Medical insurance is paid on a monthly basis, and the balance of the current year is the sum of the personal account balance of the current year 12 months. The calendar year account refers to the name that is now called the previous year account.
This is your own money. Money will be deducted if you buy medicine. If you don't use it, you won't waste it. It can always be accumulated.
Medical insurance card, referred to as medical insurance card or medical insurance card, is a special card for medical insurance personal account. With the personal identity card as the identification code, the detailed information such as personal identity card number, name, gender, account capital expenditure and consumption are stored and recorded.